I was talking with our 401k company guy about this. But basically, he told me most 401Ks who were invested before 2009 are just becoming whole now. If you were

I was talking with our 401k company guy about this. But basically, he told me most 401Ks who were invested before 2009 are just becoming whole now. If you were planning to retire before 2009 and converted to bonds before 2008, like you were supposed to, you were okay. And if you started contributing after 2008/2009 you did well. But for a lot of folks, who contributed on the riskier side of things (basically anyone under 55) you lost 10 years. Anyone that planned to retire at 65-67 is now having to do so at 75, otherwise they will be underinvested at retirement. I anticipate you are going to see a large wave of workforce retirement because there is such a large demographic who had to delay retirements. And that bill is now coming due.